Reply to post:

Farewell, Android Pay. We hardly tapped you


Transactions themselves aren't encrypted (between card and reader). But that's not really the point, because each transaction contains a unique cryptogram which can only be generated by the real card for that one transaction. The real benefit of mobile is that the card number cannot, unlike plastic cards, be used for online/MOTO transactions - or put on a mag stripe card to get cash out of an ATM.

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